The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,324
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,738
−HK$421/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,318/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,822
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$403/mo
Today · 4.125%
HK$15,623
baseline
▲ 0.50% · 4.625%
HK$16,447
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,246/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$505/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,982/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$484/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,496/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$590/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,751
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$564/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$758/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$726/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,604
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,244/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,468 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).